Storms often come like a thief in the night leaving a ton of damage in their wake. But with storm damage insurance, you can brace for impact and get all the necessary coverage. However, making a storm damage insurance claim can seem daunting if you don’t know how to go about it. 

This article gives a guide on how to file storm damage insurance claims. 

Steps to Filing A Stormm Damage Insurance Claim

When faced with storm damage, here are some steps to take to file a successful claim the first time around:

Step 1: Assess and Document the Damage

The first step to filing a storm damage insurance claim is to assess the damage. You can do this by examining the condition of your shingles, ensuring the sealant around your roof edges and vents is still intact, and checking for water damage. As you do this, document the damage by listing all the damaged items and capturing clear photos and videos from various angles. 

Step 2: Contact your Insurance Company

Most insurance policies have deadlines for filing specific claims, so contact your insurance company as soon as the damage occurs. But before you do this, read your insurance policy carefully to understand the rights you can claim. You should also be prepared to send photo and video evidence of the damage. 

Step 3: Meet with the Insurance Adjuster

After filing your claim, the insurance company will assign an adjuster to officially assess the damage and determine the amount you get for repairs. Ensure you’re present with your adjuster during the assessment process to answer any questions they might have. It would also help to provide photos and videos of the damage while remaining transparent throughout the process.

Step 4: Review the Settlement Offer

Once the assessment is over, the adjuster will present a settlement offer detailing the estimated amount that would be paid as compensation for repairs. Ensure you review this offer to ensure it covers all the losses incurred. If it doesn’t, you can always negotiate with the adjuster or provide more documentation to back your claims. You could also include estimates from your contractors. 

Step 5: Carefully Select Contractors for Repairs

For quality repairs, ensure you carefully select your contractors. It’s best to go for contractors that have been approved by insurance companies for repairs. That way, you can be assured of their reliability. Also, make sure to keep receipts from contractors in case there are any out-of-pocket expenses you might want to include in your claims.

Storm Damage Repairs With Alligator Roofing

When faced with storm damage, filing an insurance claim is the surest way to have a smooth recovery process and get all the coverage you need. This process involves assessing and documenting the damage, contacting the insurance company, meeting with the insurance adjuster, reviewing the settlement offer, and hiring a reliable contractor. Alligator Roofing understands that prompt response to storm damages for your roof can mean the difference between a complete recovery and dealing with water damage issues. We’ll ensure that your storm damages are completely repaired, extending your roof’s current lifespan and ensuring your home’s proper protection from the elements. The weather conditions around Florida can be daunting – let us make it easier for you when you contact our team today!